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  1. Im working on getting a couple small medical collections off my reports using WhyChat method (3 of them, $50 or less, just overlooked) Im having trouble getting the actual account number from the reports. I got them through annualcreditreport.com (I also have myfico.com) , but even on there, all of the 3 bureaus have the masqueraded account numbers 1234XXXXXXX how on earth do you get the actual acct number? or is it ok to do whychats method with 1234XXXXX?
  2. Few years ago, I was sued by Hyat Hyat and landau on behalf of BofA (credit card, default judgment - 11K) They sent an offer to settle for 60%. I want to counter offer, however i am concerned about them re-aging the debt if i send them an offer. Is there a proper way to write a counter offer without causing jeopardy to the reporting/aging? I am not concerned about them being able to collect. They have already tried to garnish wages and levy bank account, but in each case, the judge ruled in my favor for exemption. State is Florida. j
  3. i am starting to think it is a mistake with the title report company. i looked it up on the county records, and i found the record. its shows "0" owed under consideration (where it would show what was outstanding) in fact, it came up with another judgment, same thing, credit card(discover), and it also show 0. (and that one did not come up on the title search). I really think they made a mistake (the underwriter is calling the title company now, as he saw it with his own eyes)
  4. hi So we are looking to cash-out refinance our home. the title report came back with a Lien from bank of america for a default judgment on my wife for a credit card debt. We are in Florida, the property is jointly owned (husband/wife tenancy by entiretys), homesteaded. The credit card debt was individual (her). This should never happen. here is where it gets weird. the judgment was for $11K with court costs of $350. the lien is for $350. I called and talked to 2 attorneys, and they both had no clue. the
  5. this is for my daughter and her husband Daughter unemployed - 675 credit score. husband - 565 credit score, $30K income. house they are looking to buy: $170K Downpayment $50K. (daughter has a trust fund that is maturing) so they need her money, his income. any idea of any broker that can find an underwriter for this? Credit profiles her: one 5 year old charge off from capital 1 ($500) one credit cart, 0 balance no lates or anything. Credit line is 5 years old. his: student loan 7K. had late payments this is whats hurt his score. its in deferme
  6. also, is there a place to get your credit reports that gives a deal for husband/wife?
  7. i didnt think about the authorized user, she has a cc in excellent standing and probably 5+ years old] i will see his report later, she is getting it and bringing it over how hard can it be to get up 40-50 pts from there?
  8. hi my daughter and new husband are looking to purchase a house. problem is with income and his credit. her credit is 680-710, his is 560-570. she does not have a job, however, she has a trust fund that she will be able to get about $60K out for a downpayment (in september). he is a manager at walmart, for last 5+ years. qualifying with just his income shouldn't be a problem. (looking for a 120-150K house, payment estimated around $450/month with tax/insurance) i havent seen his credit report yet, but from what he says, he should only have 2 items on it. a credit
  9. JDZ first, i am not being rude, I'm just asking questions. if you look at my profile, you will see I've been on the is forum for almost 10 years now. when i started, my FICO was under 500, now i am at 820. I am not an attorney, but I've taken all 3 CRA's to court, and won. multiple CA's to court pro-se and won. that said I think i have a little experience than most people here. and questioning any information obtained on an internet forum is just prudent. My lawyer has a saying.. there's right, there's wrong, and there's legal... all three are very different.
  10. i think i found some more information. it appears that they can only take the federal return if it is federal related (IE: student loan default).. No CA can do this, only the Dept of Ed. they COULD intercept a state tax return. i have found multiple references to people getting their state tax taken, but not federal. here in florida, we are one of only a few states with no state income tax, so that option doesnt exist. i have still not found a single reference to a state level debt (no federal money involved, only state) to have a tax return taken, or for anything to become of i
  11. I'm not sure if thats true, do you have any links that show this? I'm not sure the stopping the tax return is true if there is no federal funding on the debt. I have found references where this has happened, but its always a federal student loan. not an unsubsidised debt. but for credit reporting purposes, is it the same as any other unsecured debt. (IE: falls off after 7 years etc.) she can only be sued once, and that falls off after 7 years. also, FYI i checked court records, i cant find any lawsuits filed in this county from this CA, so I'm not sure they pursue court action.
  12. hi my daughter basically has a pell grant, but was awarded late. and though all the back and forth with the school, the school ended up dropping her classes for lack of payment by the add drop date. so she was left with a debt for a class that she never went to, it was dropped late. and the school is owed the money. so the bottom line is, there is no "student loan" no pell grant involved (the school never got it as far as we know), she was never distributed ANY money from the school (IE: no pell grant money was ever sent to her after the add drop date). so as far as i can tell,
  13. I'm just concerned if they could report it to a credit bureau like a tax lien where it never comes off. i searched everywhere and i don't see anything they can do at this point accept hope it gets paid, but after 20 years, i am not inclined to pay anything regardless of the amount. no, wont ever live in WI again.
  14. strange thing, came home to a letter from the Wisconsin Dept of revenue for the wife. apparently, she owes $600 to them from 20 years ago for a guardian ad litem for her previous marriage (the husband died). not sure on the details as we will call them tomorrow, but just curious if there is anything they can actually do after 20 years anyway? we live in Florida, and have for the last 10+ years... Its not on her credit report, we both have great credit now. but before i throw $600 at a 20 year old debt, I'm not even sure there is anything they can do with it. Her best recoll
  15. its an old medical bill, i don't think the OC was ever on the credit report. like i said, originally, this was all removed via whychat, its was a few years ago, if i remember correctly, this one just came off round one (initial dispute). like i said, its so long ago, i don't remember the actual DOFD, I'm just going by what they put on the CRA. I have to look around and see if i still have one of the original credit reports on an old computer somewhere
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